Yes Bank BYOC credit card credit card
Joining Fee:

₹588 +GST

Return Percentage:

1% to 2%

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Credit Card Overview

A Build Your Own Card (BYOC) product allowing customers to personalize their categories for accelerated rewards, offering flexibility and milestone perks.

Best Suited For: Cashback

Yes Bank logoYes BankVisa

Fees and charges at a glance

Annual fee
₹588

Charged every year you keep the card

Joining fee
₹588

Paid once when you get the card, plus GST

Reward rate
1% to 2%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
45.6% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Yes Bank BYOC credit card — Earn Categories

Everyday rate

  • Base Rewards8 Cashback / ₹200

    Minimum ₹200 per transaction

2 more earning categories on this card

We track all 3 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Jewellery
  • Rent
  • Utilities
  • Wallets
  • Fuel